straightforward guidance and be able to focus on other things, like each other, which isn't rocket science. it's just common sense. from td ameritrade. >>> four years after the financial crisis overrun by regulation, is wall street still rolling the dice when it comes to risk taking? we are reporting on the game of risk at america's biggest banks all day, and this time around how citigroup attended a turn-around after $60 billion in unforeseen mortgage losses severely damaged the bank. kate, i understand you spoke with citi's cro, brian leach. >> that's right. what he's done is interesting, if any bank had become a poster child during the crisis, it was is your honorly citi. they lost $60 billion due to ill-conceived mortgage investments. this put the bank out of business prompting multiple tax bailouts, which i'm sure you remember. he overall liquidation of capital investments. he's replaced 11 of 13 people who reported to him when he first took the job. he's also added a hong kong base, which they haven't had before. he made it so the bank can engage risk exposure around the world by pro